Plant it. Leave it.
Watch it grow.

Plant some funds for a fixed term and watch savings interest grow faster than a savings account.

  • Earn high dividends on your money by planting them in a Certificate Account for a fixed term
  • Tiered rates
  • Terms from 3 months to 5 years
  • Minimum balance as low as $500
  • Automatically renewable at then-current market rates


New 5.00% APY¹ Certificates – 8-11 Month "U Choose" Terms

Pair your 8, 9, 10 and/or 11-month CD with a Columbia CU checking account and earn a risk-free EXTRA top-of-market rate!

  • $500 minimum, no maximum
  • Personal, IRA or Business Certificates

Limited time offer—open your certificate today!

Columbia Credit Union Personal Checking Account Rewards!


Earn 6.00% APY2 with Income Checking.

While your savings are in over-drive with a high-earning certificate, put your checking balance to work with a high yield each month your account qualifies.

Earn your checking high yield each month with these 3 qualifications:

  • Make at least 15 purchases using a combination of your Columbia CU debit card(s) and credit card(s)
  • Have a direct deposit of at least $500 into your Income Checking
  • Enroll in e-statements

Scroll down to see the full terms.


Achiever's Club Youth Certificates

Let your kids learn about money management with a certificate for youth under age 19.

  • Certificate Account designed to teach those under age 19 about money management while earning high dividends on their savings
  • Tiered rates
  • 12 month term
  • Minimum balance to open as low as $100
  • Add funds anytime
  • Automatically renewable at then-current market rates until member is 19 years old

Looking for more ways to save?

1APY=Annual Percentage Yield and is accurate as of July 3, 2023. Offer subject to change without notice. Available for Personal, IRA, and Business certificates. $500 minimum to open and earn dividends. 8, 9, 10, and 11-month certificates earn 4.50% APY without our Checking Relationship Bump. Checking Relationship Bump: Monthly, when at least one certificate owner also is an owner of at least one open Columbia Credit Union consumer or business checking account (excluding our youth Spend account and money market accounts) certificate earns 5.00% APY. Certificates automatically renew to the following then-current certificate rates and terms: 8 & 9 month to 6-month; 10 & 11 month to 12-month. Penalty may be imposed for early withdrawal.

2APY = Annual Percentage Yield and is accurate as of July 10, 2023 and can change at any time without notice. One Income Checking per member with Tax Reported Owner role. Minimum to open is $1. To earn rewards, you must meet each of the following requirements: 1) Be enrolled to get e-Statements by 11:59 p.m. PT two days before month end; 2) Have a direct deposit of at least $500 by 6:00 p.m. on the last day of the month; 3) Make at least 15 purchases using a combination of your Income Checking debit card by 6:00 p.m. PT two days before month end and your Columbia CU credit card by 11:59 p.m. PT two days before month end. For example: In a month with 30 days, e-Statements by the 28th, direct deposit by month end, debit purchases by the 28th, and credit card purchases by the 28th. Please note, debit and credit card transactions may not post on the same day as the purchase. ATM transactions do not count toward the purchase requirement. For credit card purchases to apply, the member with the Tax Reported Owner Role must be the same on the Income Checking account and on the Columbia Credit Union Visa credit card.